Re-listed lower amount & no group

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Listing Information
Amount: $3,500.00 Status: Loan created
Grade: HR DTI: 19%
Lender Rate: 26% Borrower: cnabecky911
Time Left: Finished State: IL
Funded: 100% Group: (No Group)
Loan Information
Loan Status: 4+ months late Origination Date: 2007-03-15 EricsCC ROI: -37%
Status History
Mar 15, 2007 Current
Aug 31, 2007 Late
Sep 18, 2007 1 month late
Oct 16, 2007 2 months late
Nov 23, 2007 3 months late
Dec 16, 2007 4+ months late
ABOUT ME:
I am 26 years old and have one child, a 5 year old boy.  I am living with my boyfriend of 5 years who has been divorced for 6 years and has 3 children, a girl 17, a boy 16, and a girl 11.  I am a full time licensed CNA and am also going to school to get my RN degree to be a nurse.  I have been with my current employer for over a year and in school for 2 years and start my RN classes next fall.  My boyfriend is 35 and currently unemployed due to cut backs but receives unemployment benefits.  A good friend of his has offered him a good paying job where he works but he first has to get his CDL license.  This is the reason I am here, to borrow the money to pay for the class so he can take this opportunity and not resort to over the road truck driving which means he will never be home to see his family.  He would be completely miserable if he was away from us for long periods of time and this job would keep him home every night.  He also with the help of a friend organized and runs the youth soccer league in our community and is now working on starting up a youth football league for next fall all of which he would have to give up if he wasn?t around much.  We are both members of the local Moose lodge and do a lot of volunteer work in the community which the lodge is involved in.  We love being able to help others and even though we aren?t wealthy sometimes a simple hand is all that is needed.

EXPLANATION OF BAD CREDIT:
My credit rating is HR due to the following:
(4) Past due utility bills 3 years old or older = $1075
(3) Past due hospital bills 2 years old or older = $ 605
(1) Past due credit card over 5 years old with a limit of $200  
It was suggested we do the loan in my name because of his current employment status.

WHAT I WILL DO WITH THE MONEY LOANED TO ME:
$ 3500 to pay for the CDL class

HERE ARE MY MONTHLY FINANCIAL DETAILS:
My net income after payroll deductions from all sources: $ 1100
His unemployment benefits: $ 1900
Total monthly family Income $ 3000

Mortgage: $ 350 (bought on contract for deed so doesn?t appear in credit ratings)
Phone: $ 150
Gas & Water: $ 150
Electricity: $ 250
Car Loan: $ 122
Insurance: $ 170
Cable/Internet: $ 100
(2) Small loans that won't be paid off with my Prosper loan: $ 95
Other (food, gas, household supplies, etc?):  $ 600
Total Monthly Expenses: $ 1987

I will have $ 1013 left to make the payments on my Prosper loan.

CLOSING REMARKS TO LENDERS:    
As you can see, we are a hard working couple who have had our share of bad times but are doing all we can to better ourselves and our life for our children.  If this loan is approved we guarantee no payment will ever be late and when we are both working and making more money will re-invest in Prosper to help others in our situation.  Thank you for taking the time to look at my listing and I hope you will see it in yourself to help us!
Borrower's Other Listings
104395 Good couple to invest your money and trust in! HR $4,500 @ 26% Feb 28, 2007 Expired

 

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